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Old 11.06.2016, 09:49
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Re: number26 [German Online banking]

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hello daffy99, thanks for your view on the topic.

I found this comparison in internet which might help someone else to decide.

https://www.youtube.com/watch?v=1QAXuz4I6fE
https://www.deutscheskonto.org/de/ve...esser-als-dkb/


I think I will go for DKB (and also they provide service directly to people in Switzerland, even though opening process is more tedious...).

it's a pity that there is 1,75% fee in internacional (non EU) transactions on the credit card, but I have other solutions to pay by card abroad (Revolut), and DKB is a perfect solution for ATM withdraws so that seems the best fit to me.

My only concern is that they offer EC Maestro card and Visa.... can I decline to have EC Maestro? the number of credit cards in my wallet is just growing exponentially..
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  #42  
Old 11.06.2016, 10:34
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Re: number26 [German Online banking]

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it's a pity that there is 1,75% fee in internacional (non EU) transactions on the credit card,
Withdraw cash at an ATM with the Visa credit card and pay with cash. Or use a different credit card (e.g. Migros Cumulus / Cembra - 1.50% if I recall correctly)

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My only concern is that they offer EC Maestro card and Visa.... can I decline to have EC Maestro? the number of credit cards in my wallet is just growing exponentially..
Use a pair of scissors, snip-snap, gone it is (make sure to cut through the chip, too).

I, too, am looking forward to the time when all this plastic disappears - pity that I currently have to physically use four plastics regularly.
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  #43  
Old 11.06.2016, 18:43
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Re: number26 [German Online banking]

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Withdraw cash at an ATM with the Visa credit card and pay with cash. Or use a different credit card (e.g. Migros Cumulus / Cembra - 1.50% if I recall correctly)







Use a pair of scissors, snip-snap, gone it is (make sure to cut through the chip, too).



I, too, am looking forward to the time when all this plastic disappears - pity that I currently have to physically use four plastics regularly.

I will use revolut when traveling.

Cutting is an idea.. But even maybe phisically doesn't exist, the information is still there.. (Ie paying online still posible). I would just prefer not to have it. Anyway, not a big deal.
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  #44  
Old 13.06.2016, 09:40
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Re: number26 [German Online banking]

After recent events I would strongly disadvise from using Number26.

It might all be about nothing, but in a nutshell this happened:
  • N26 cancelled several hundered accounts w/o giving a reason.
  • When asked explicitly why these accounts were cancelled N26 still actively refused to give meaningful reasons, citing their T&C which allow them to cancel accounts at any time w/o giving reasons.
  • Affected users established that one similarity in their behaviour includes a lot of ATM withdrawals.
  • N26 actively advertises that withdrawing cash is free, and that there are no limits to doing just that.
  • Obvisouly N26 incurrs costs through withdrawals, and where people overshot some limit their accounts just got cancelled.

While I understand that costs might be high, I do not understand or condone their strategy to cancel accounts w/o warning or notice. If withdrawal costs are too high they need to change their (advertised) rules around withdrawals, such as introducing an official fair use policy or similar, not just cancel.

I´m sure some people might have really overdone it, however they still only used an advertised feature.

When >>decent magzines ask questions (in German)<< around this matter, N26 simply refuses to answer.

It's just totally unacceptable.

While my account wasn't cancelled, I won't use it anymore; might even cancel myself. An account that's not reliably available is of no use, and in this case you never know if you do something that displeases.
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